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  • 1
    UID:
    b3kat_BV048265466
    Format: 1 Online-Ressource (41 p)
    Content: This paper analyzes the impact of two distinct shocks stemming from the cross-border transmission of the 2007-2009 crisis on credit availability for small firms. The paper uses data from AccessBank Azerbaijan which was affected in its liquidity position during the second and third quarters of 2008 by delays in its refinancing. The Azeri real economy was hit by the global crisis from the fourth quarter of 2008 onwards with a combined decline in oil prices, exports, remittances, and domestic demand. Therefore, a pure supply side shock con be contrasted with a real economy shock that hit exactly when the bank's funding position strengthened again. The paper finds that during the funding shock (potential) borrowers are discouraged from applying for loans. However, for those applications made, the likelihood of loan approval is not affected. The real economy shock, in contrast, reduces the approval likelihood for SME loans in particular, while agro and micro loans are considerably less affected. Finally, bank relationships increase credit availability in good as well as in bad times
    Additional Edition: Gunhild Berg Funding vs. Real Economy Shock
    Language: English
    URL: Volltext  (URL des Erstveröffentlichers)
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 2
    UID:
    b3kat_BV048265998
    Format: 1 Online-Ressource (22 p)
    Content: This paper provides an overview of the state of access to bank financing for SMEs in five Sub-Saharan African countries and analyzes the drivers behind banks' involvement with SMEs. The paper builds on data collected through five in-depth studies in Kenya, Nigeria, Rwanda, South Africa, and Tanzania between 2010 and 2012. The paper shows that the share of SME lending in the overall loan portfolios of banks varies between 5 and 20 percent. Reasons for this finding vary, but key contributing factors are the structure and size of the economy and the extent of Government borrowing, the degree of innovation mainly as introduced by foreign entrants to financial sectors, and the state of the financial sector infrastructure and enabling environment
    Additional Edition: Berg, Gunhild Bank Financing of SMEs in Five Sub-Saharan African Countries
    Language: English
    URL: Volltext  (URL des Erstveröffentlichers)
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 3
    UID:
    b3kat_BV048273164
    Format: 1 Online-Ressource
    Series Statement: World Bank E-Library Archive
    Content: FinTech has tremendous potential in the Europe and Central Asia (ECA) region, given its high mobile phone and internet access levels and scope for increased use of digital payments. However, there are major regional differences between high-income and middle-income countries regarding access to technology, FinTech adoption, and regulatory capacity. This paper analyzes the opportunities and risks related to FinTech in the ECA region, focusing on these three key financial sector challenges: (i) high costs of international remittances, (ii) inefficiencies in the provision of domestic payments, and (iii) low levels of MSME's access to finance. It also analyzes the level of FinTech development in the region, and delves into the state of FinTech policy, regulation and supervision in the region along with an analysis of reform needs. Finally, this paper touches upon the role for international public policy coordination related to FinTech generally, with a focus on the ECA region
    Language: English
    URL: Volltext  (URL des Erstveröffentlichers)
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  • 4
    UID:
    b3kat_BV048265842
    Format: 1 Online-Ressource (51 p)
    Content: This paper exploits the emotional connections and viewer attentiveness of mainstream media to evaluate the economic impact of financial education messages on debt management delivered through a popular television soap opera in South Africa. The study uses a symmetric encouragement design to compare outcomes of individuals who were randomly assigned to watch a soap opera with financial messages, "Scandal!" to those of individuals who were invited to watch a similar soap opera without financial messages, "Muvhango." Both shows overlapped in evening primetime and had similar past viewership profiles. The financial storyline spanned two months and featured one of the leading characters of the show borrowing excessively and irresponsibly through hire-purchase, gambling, and ending up in financial distress; and eventually seeking help to find her way out. Two intermediate and one final follow-up surveys were conducted as part of the study. The analysis finds individuals assigned to watch Scandal had significantly higher financial knowledge of the issues highlighted in the soap opera storyline, in particular messages delivered by the leading character. On behavior, Scandal viewers were almost twice more likely to borrow from formal sources, less likely to engage in gambling, and less prone to enter hire purchase agreements. Messages promoting a national debt mediation helpline delivered by an external character did not sustain traction beyond immediate interest. Three qualitative focus groups highlight the importance of emotional connections with the leading character in motivating behavior change
    Additional Edition: Berg, Gunhild Harnessing Emotional Connections to Improve Financial Decisions
    Language: English
    URL: Volltext  (URL des Erstveröffentlichers)
    URL: Volltext  (Deutschlandweit zugänglich)
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  • 5
    Online Resource
    Online Resource
    Frankfurt am Main : Peter Lang Edition
    UID:
    b3kat_BV045475359
    Format: 1 Online-Ressource
    ISBN: 9783653037685
    Series Statement: Berliner Beiträge zur Wissens- und Wissenschaftsgeschichte Band 17
    Additional Edition: Erscheint auch als Druck-Ausgabe ISBN 978-3-631-64570-3
    Language: German
    Subjects: Comparative Studies. Non-European Languages/Literatures , German Studies
    RVK:
    RVK:
    RVK:
    Keywords: Deutsch ; Literaturgattung ; Wissensproduktion ; Wissensorganisation ; Geschichte 1800-1950 ; Konferenzschrift
    URL: Volltext  (URL des Erstveröffentlichers)
    URL: Volltext  (lizenzpflichtig)
    Author information: Berg, Gunhild 1974-
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  • 6
    UID:
    gbv_1655916971
    Format: Online-Ressource (X, 406 S.)
    ISBN: 9783110912838
    Series Statement: Hallesche Beiträge zur Europäischen Aufklärung 30
    Content: In terms of the moral strictures of German enlightenment, knowledge of human nature was equivalent to judgment on it. The study demonstrates that moral narratives exemplify the resulting epistemological problem besetting moral philosophy, social ethics, and anthropology: the impossibility of truly knowing the Other. They reflect and engage with the contradiction between morals, morality, and judgment inherent in the philosophy of the Enlightenment. By combining morality and behavioural doctrine with a fictional view of the inner life of the Other they compensate for the lack of human knowledge prevalent at the end of the 18th century.
    Content: Menschenkenntnis bedeutet gemäß den Moralgeboten der deutschen Aufklärung Menschenbeurteilung. Die Studie weist nach, dass Moralische Erzählungen das hieraus resultierende Erkenntnisproblem der zeitgenössischen Moralphilosophie, Gesellschaftsethik und Anthropologie vorführen: die Unerkennbarkeit des anderen. Sie reflektieren den aufklärerisch selbst verschuldeten Widerspruch von Sitte, Sittlichkeit und Urteilen. Indem sie Moral- und Umgangslehre mit dem fiktionalen Blick in das Innere des anderen verbinden, kompensieren sie das Nicht-Wissen vom Menschen am Ende des 18. Jahrhunderts.
    Content: Review text: "This study provides a reassessment of German moral tales and a long-awaited investigation of moral tales and moral treatises from an anthropological perspective."Brian McInnis in: Monatshefte 3.101/2009 "Gunhild Berg hat eine bedeutende Leistung vorgelegt, sie bringt der Germanistik aber auch der Soziologie Neues."Justin Stagl in: Sociologia Internationalis Nr. 45, 1-2/2007
    Additional Edition: ISBN 9783484810303
    Additional Edition: Druckausg. Berg, Gunhild, 1974 - Erzählte Menschenkenntnis Tübingen : Niemeyer, 2006 ISBN 3484810300
    Additional Edition: ISBN 9783484810303
    Language: German
    Subjects: German Studies
    RVK:
    RVK:
    Keywords: Deutschland ; Verhaltensregel ; Menschenkenntnis ; Moralisches Urteil ; Geschichte 1750-1800 ; Aufklärung ; Verhaltensregel ; Menschenkenntnis ; Moralisches Urteil ; Deutschland ; Geschichte 1750-1800 ; Deutsch ; Moralische Erzählung ; Menschenkenntnis ; Moralisches Urteil ; Geschichte 1750-1800 ; Aufklärung ; Menschenkenntnis ; Moralisches Urteil ; Moralische Erzählung ; Deutsch ; Geschichte 1750-1800
    URL: Volltext  (lizenzpflichtig)
    URL: Cover
    URL: Cover
    Author information: Berg, Gunhild 1974-
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